* APR = Annual Percentage Rate. See terms and conditions for complete details. The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

Applicant must be 18 years of age and have a U.S. address and Social Security Number. In the event you do not qualify for either of the Visa Signature Bonus Rewards cards, you may receive a Visa Platinum Bonus Rewards card with the same great reward options as the Signature cards.

Visa Signature Bonus Rewards Card Disclaimers

*APR = Annual Percentage Rate. See terms and conditions for complete details. The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points).

2 The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned.

3 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.

Visa Signature Bonus Rewards PLUS Card Disclaimers

*APR = Annual Percentage Rate. See terms and conditions for complete details. The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.5 points).

2The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned.

3Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.

Domestic Air Savings Program - As a Cardmember, you are eligible to save 10% when you fly within the contiguous 48 states. Simply book your travel using the Air Savings Program via Amex CONNECT. With no blackout dates and no minimum price, you are free to use this benefit as many times as you like.3

*APR = Annual Percentage Rate. See terms and conditions for complete details. APR The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1 Rewards points: You will earn 1 reward point (“point”) for each dollar of net purchases (purchases minus credits and returns) charged to your account during each billing cycle. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets. The number of additional points earned on supermarket purchases is unlimited. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 point for each dollar of net purchases charged to your account during each billing cycle. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.

2 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1 Rewards points: You will earn 1 reward point (“point”) for each dollar of net purchases (purchases minus credits and returns) charged to your account during each billing cycle. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: hotels and restaurants. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. In addition, a purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.

2 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

3 Save 10% on up to one round trip airline ticket with your Travel Rewards American Express® Card. Offer only valid on airline travel within the 48 contiguous states where the Cardmember is the primary traveler. Airfare must be booked through Amexconnect.com/mycardbenefits or Concierge Travel Services and paid for entirely using your Travel Rewards American Express® Card. The 10% discount will be applied to the lowest available ticket price. No blackout dates, no minimum prices and unlimited use. Certain exclusions, restrictions and limitations apply.

* APR = Annual Percentage Rate. See terms and conditions for complete details. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1Late payments and going over the credit limit may damage your credit history.